🏛️ National Payments Corporation of India (NPCI) — Official Grievance Guide Free Service File complaints 24/7 online
💳 National Payments Corporation of India

NPCI Complaint
File & Track Your
Payment Grievance

Resolve failed UPI transactions, unauthorized payments, wrong transfers, and FASTag issues through the official NPCI complaint system. Get your money back quickly with our step-by-step guide.

📋 File NPCI Complaint Now 📖 Step-by-Step Guide

⚡ Common Complaint Types

📲
Failed UPI Transactions Money debited but not credited
🚗
FASTag Deduction Issues Wrong or double toll deductions
💳
RuPay Card Problems Transaction failures & disputes
🔒
Unauthorized Transactions Fraud & unknown debits

What is an NPCI Complaint?

An NPCI complaint is a grievance raised by users related to digital payment services operated by NPCI. NPCI does not handle these complaints on its end. Instead, they forward these complaints to the concerned product and ask for immediate resolution. The concerned department looks into these complaints and updates the complaint status — whether it's resolved or requires more details from the user.

🏠 Overview

NPCI Digital Payment Complaint System

Digital payments have made financial transactions faster and more convenient than ever. With systems such as UPI, IMPS, RuPay, and FASTag, the National Payments Corporation of India (NPCI) processes millions of transactions daily. However, users sometimes experience issues such as failed transactions, delayed refunds, incorrect transfers, or unauthorized payments.

To resolve such problems, NPCI provides an online complaint system where users can register their grievances and track their status. Understanding how to file an NPCI complaint properly can help you achieve a faster resolution and protect your money. This guide explains in detail the complete process for filing an NPCI complaint and checking its status.

Always remember to contact your bank or payment app first. If the issue remains unresolved after 5–7 business days, you can file an NPCI complaint online and track its progress using your Complaint Reference Number (CRN).

📂 Complaint Types

Types of Issues Covered Under NPCI Complaint

NPCI handles grievances related to all its digital payment products. Here are the most common complaint types you can raise through the NPCI complaint portal.

01
📲
Failed UPI Transactions

Money was debited from your account but was not credited to the recipient. One of the most common UPI issues resolved through NPCI complaints.

02
🔀
Wrong Account Transfers

Funds transferred to an incorrect bank account or UPI ID due to technical errors or accidental wrong entry during payment.

03
🔒
Unauthorized Transactions

Unknown debits from your account without your knowledge or consent. Includes fraud transactions requiring urgent reporting and investigation.

04
🚗
FASTag Deduction Issues

Incorrect toll deductions, double charges, or balance-related issues with your FASTag account on national highways.

05
💳
RuPay Card Problems

Transaction failures at POS terminals, ATM withdrawal issues, or online payment rejections using RuPay debit or credit cards.

06
👆
Aadhaar Payment Issues

Problems related to Aadhaar-based payment services (AePS) including failed biometric transactions at banking correspondents.

⚙️ NPCI Products

NPCI Products You Can File Complaints For

NPCI manages several digital payment systems in India. Complaints can be filed for any of the following products through the NPCI complaint portal.

📱
UPI
Unified Payments Interface — for all UPI transaction failures and related issues.
⚡
IMPS
Immediate Payment Service — for instant bank transfers that failed or were delayed.
💳
RuPay
RuPay card transaction disputes at ATMs, POS machines, and online portals.
🚗
FASTag
National Electronic Toll Collection — for wrong deductions and balance issues.
👆
AePS
Aadhaar-enabled Payment System — for Aadhaar-based banking transaction failures.
🏦
NACH / BBPS
National Automated Clearing House & Bharat Bill Payment System complaints.
📋 File Complaint

How to File NPCI Complaint Online

You can file a complaint directly on the NPCI website. Follow these steps carefully to ensure your complaint is registered successfully and you receive your Complaint Reference Number.

01
Visit the Official NPCI Website

Go to the official NPCI website at npci.org.in and navigate to the Customer section. Look for the complaint or grievance option on the homepage menu.

02
Select the Complaint Type

In the customer section, you will see two main options: "UPI Complaint" and "Other Product Complaint". Select the one that matches your issue.

03
For UPI Complaints – Choose Transaction or Non-Transaction

For a UPI complaint, click there and enter the full details of the transaction. If you have a non-transactional complaint about UPI, click on "Non Transaction" and provide the details about your issue there.

04
For Other Products – Select the Product Type

Click on "Other Product Complaint" and select the product type based on your issue — such as IMPS, RuPay, FASTag, or AePS — from the dropdown menu.

05
Enter Transaction Details

Enter your transaction details including: bank name, transaction date, RRN (Reference Reference Number), account number, and transaction amount. Make sure all details are accurate.

06
Choose Complaint Category & Describe the Issue

Select the appropriate complaint category from the list and briefly describe the problem you are facing. Be clear and concise when explaining the issue.

07
Complete Captcha & Submit

Complete the captcha verification and click the submit button. Once your complaint is registered, you will receive a unique Complaint Reference Number (CRN). Note this number down carefully for future tracking.

✅

Important: Always note down your Complaint Reference Number (CRN) after submission. This is required to check your complaint status later and corresponds to your specific grievance.

📄 Documents/Details Required for Filing

  • Bank name and account number
  • Transaction date and time
  • RRN (Retrieval Reference Number) from your bank statement
  • Transaction amount
  • UPI transaction ID (for UPI complaints)
  • Registered mobile number
  • Brief description of the problem
🔍 Track Complaint

How to Check NPCI Complaint Status Online

Checking the status helps you stay updated on whether your issue is under review or has been resolved. Use your CRN to track your complaint at any time.

01
Visit the NPCI Complaint Registration Page

Go to the official NPCI website and navigate to the complaint registration webpage where you originally submitted your complaint.

02
Click on "Check Complaint Status"

Scroll down the page and look for the "Check Complaint Status" option. Click on it to open the status tracking section.

03
Select the Relevant Product

Choose the relevant product for which you want to track the complaint status — for example, UPI, IMPS, FASTag, or RuPay.

04
Enter CRN & Required Details

Enter your Complaint Reference Number (CRN) along with the required details such as the bank name and captcha code shown on the screen.

05
Click "Get Status"

Click on the "Get Status" button to view the current status of your complaint — whether it is pending, under review, or resolved.

ℹ️

If your complaint status shows "resolved" but you have not received your refund, contact your bank directly with the CRN. NPCI coordinates with banks to process refunds — the bank is responsible for crediting the amount.

📊 Status Guide

Understanding Complaint Status Messages

After filing your complaint, you may see different status messages. Here is what each status means.

Status Meaning Next Step
Complaint Registered Your complaint has been successfully submitted to NPCI Wait for NPCI to forward it to the bank
Under Process The concerned bank or product team is reviewing your complaint Wait for resolution; check status after 2–3 days
Resolved The issue has been resolved by the concerned department Check your bank account for refund credit
Information Required More details are needed from you to process the complaint Provide the required information as soon as possible
Closed The complaint has been closed after action by the bank If unsatisfied, escalate to banking ombudsman

What is a CRN in NPCI Complaint?

A CRN (Complaint Reference Number) is a unique number automatically generated after you successfully submit a complaint on the NPCI portal. It acts as your complaint ID and is essential for tracking the progress of your grievance. Always save your CRN immediately after submission — without it, you cannot check your complaint status online.

The CRN also helps NPCI and your bank quickly identify your specific complaint among thousands of daily submissions, which speeds up the resolution process. Keep your CRN safe until the issue is fully resolved and refunded.

💡 Pro Tips

Tips for Faster NPCI Complaint Resolution

Follow these best practices to ensure your complaint is processed quickly and your money is returned without unnecessary delays.

💡
Contact Your Bank First

Before filing an NPCI complaint, always contact your bank's customer care or raise a complaint through your payment app. Most issues are resolved at the bank level within 3–5 days.

📋
Keep Transaction Details Ready

Always note the RRN, transaction ID, date, and amount before filing. Incomplete information can delay resolution significantly.

⏰
File Complaint Promptly

Do not delay in filing your complaint. For unauthorized transactions, report within 24 hours to your bank and NPCI for the best chance of reversal.

🔁
Check Status Regularly

Monitor your complaint status every 2–3 days. If additional information is requested, provide it promptly to avoid delays in resolution.

🏛️
Escalate if Unresolved

If your complaint remains unresolved after 30 days, escalate to the RBI Banking Ombudsman through the Centralised Public Grievance Redress and Monitoring System (CPGRAMS).

⚠️

Note: NPCI cannot directly reverse transactions. It coordinates with your bank or the concerned financial institution to initiate the refund. The actual credit may take additional time after the complaint is marked resolved.

❓ FAQ

Frequently Asked Questions

Common questions about filing and tracking NPCI complaints online.

CRN (Complaint Reference Number) is a unique number given after complaint submission. It is used for tracking the complaint status on the NPCI portal. Always note this number down immediately after submitting your complaint.
NPCI cannot directly reverse transactions but coordinates with banks to resolve them. Once NPCI forwards your complaint to the concerned bank, the bank investigates and processes the reversal. The actual credit to your account is handled by the bank.
Yes, you can track your NPCI complaint online using the CRN on the NPCI complaint status page. Visit the NPCI website, go to the complaint registration section, click "Check Complaint Status," and enter your CRN along with required details.
No, filing a complaint with NPCI is completely free. Users do not need to pay any charges to register a grievance. If anyone asks you to pay for filing an NPCI complaint, it is likely a scam — do not share money or personal information.
NPCI typically forwards complaints to the concerned bank within a few days. The bank then has up to 30 days to resolve the issue as per RBI guidelines. For urgent unauthorized transactions, the process may be expedited.
If your complaint remains unresolved after 30 days, you can escalate the matter to the RBI Banking Ombudsman. You can file a complaint through the RBI's Centralised Complaint Management System (CMS) at cms.rbi.org.in for further escalation.